Few things are more frustrating than being involved in an accident caused by another driver. It’s natural to feel overwhelmed by any interaction with the at-fault driver’s insurance company accordingly.
Insurers will likely contact you shortly after the incident to gather information or offer a settlement. However, speaking to the at-fault driver’s insurance company without legal guidance can jeopardize your claim.
Be wary of insurance adjusters
You might notice that the insurance adjusters come across as friendly and concerned. However, you should know that their primary goal is saving their company money.
Suppose you casually mention that you “feel fine” during a conversation; the adjuster might interpret this as proof that your injuries are minor or nonexistent. Similarly, the adjuster may exploit any inconsistencies in your account of the accident to cast doubt on your credibility. With legal guidance, you can help communicate effectively and help ensure that you don’t unintentionally harm your case.
You could undervalue your claim
After an accident, the at-fault driver’s insurer may make an offer they hope you’ll take. It will likely be an appealing settlement. However, this settlement may not be enough to cover all your damages.
You should resist the temptation to accept this settlement no matter how desperate you are for resources. You might not fully understand the financial resources you deserve at this point. Therefore, seeking legal feedback to evaluate the true value of your claim is essential.
You risk making comments that could minimize your payout
Pay attention to every comment you make when you speak to the at-fault driver’s insurance company. What you might think to be an innocent comment can be misinterpreted and used against you later. For example, apologizing for the accident—even as a polite gesture—could be interpreted as an admission of fault. Legal support can:
- Act as a buffer between you and the insurance company
- Handle all communications
- Protect your legal rights
You can benefit from partnering with someone who can teach you how to respond to questions and prevent you from making statements that might weaken your case.
Dealing with an at-fault driver’s insurer can make the aftermath of an accident even more confusing than it already is. By enlisting experienced legal support, you can gain a knowledgeable advocate who can protect your interests and minimize the stress of seeking rightful compensation.
